"Sit them down as a family," Gary says. "[Tell them:] 'We're going to get through this. There might be some changes; we might have to cut back on some things. We'll learn what necessities are.'"

Don't get too specific, Gary says, like telling them exactly how much money you have. "Just let them know that there are changes and that's okay," he says. "[Say,] 'Families go through changes...but we're going to be in love with each other, and that's all we need to get through anything."